At Braun-Bostich & Associates, we have a passion to do the right things and that has made all the difference for our clients
Our goal is to help you build confidence in the future, be your advocate, and help you express your wealth in a way that enhances your life and the lives around you. Our trusted group of advisors are constantly striving to bring more knowledge and strategies to the table, with one goal in mind... Your success!
As the oldest of three children, I learned responsibility early. After my father's death at a young age, my mother worked three jobs to support us. The third job helped her purchase a set of encyclopedias for me and my brother and sister. My childhood experiences taught me that life is unpredictable.
This was the basis and prism through which I saw the world and it formed the foundation for my interest in helping others secure their financial futures.
Implementing unique strategies around reducing taxation, gifting and keeping up-to-date on an ever-changing regulatory and legislative environment becomes imperative to achieving good planning results. Helping clients allocate assets, create trusts, provide for a legacy, utilize gain/loss harvesting, provide personalized income strategies, implement risk management strategies and asset location strategies are important processes we provide. Ultimately, we all want the same things... live well today, prepare for an uncertain future and provide for our family as efficiently and effectively as possible.
This is what we do for our clients- we provide the framework to help clients achieve these things and the peace of mind that comes with it. As fee-only advisors we operate objectively, independently and transparently.
I started my Financial Planning practice in 1990. Shortly after, I began to move away from commissioned sales and toward fee-based advice. As my practice grew, I began to add employees. As associates retired, I was able to purchase their practices and expand even more. Today I’m blessed with a talented, educated staff and wonderful clients
~ Amy Braun-Bostich
As a Fee-Only Financial Planning and Wealth Management firm we are committed to providing you with best-in-class services to help you reach your unique financial goals. Our firm embodies the following core values:
Trust is a characteristic that encompasses all of our advisor-client relationships. We believe that you deserve a fiduciary standard of advice, without compromise. Our objective perspective, transparency in fees and sound financial advice provides the basis for long-term, trusted relationships.
By engaging with you throughout the entire financial planning process we help to ensure you are on the right track towards reaching your goals. Through our creative wealth management process, success can be accomplished beyond all expectations. Discover, Analyze, Inspire, Transform— our process for understanding your unique situation and propelling you toward goal achievement. All of our advisors are Certified Financial Planners (CFPs). We also have a Chartered Financial Analyst (CFA) an Enrolled Agent (EA) and a Masters in Financial Planning (MSFP) on staff. We bring you state of the art advice, compassion and years of experience in helping more than 1,000 clients reach their goals.
Taking the time to meet with one of our advisors is an important initial step in our process. It is also an opportunity to begin to share your short and long-term goals, and dreams. In this casual session, we will engage in a cursory review of your current financial life, explore potential opportunities, define gaps and discuss general strategies— resulting in a mutual sense of what it may be like to work together. You will also gain greater insight into your personal situation.
If it is mutually determined that we have a strong basis for working together, we will guide you through our wealth management consultative process and governing formula.
Learn More About the Braun-Bostich Formula for Wealth Management
Firm Purpose—Helping our clients to create greater opportunity for themselves by leveraging our exceptional capabilities. In doing so, they are able to transcend their notion of what is possible.
Guide to Understanding Advisor Designations 11 Things you Probably Didn't Know.....
Amy is the CEO and founder of Braun-Bostich & Associates. She spends much of her waking day trying to bring more value to the table for her clients, employees and family members-not necessarily in that order.
Amy has over 26 years in the Financial Services business and has invested the time and discipline toward ongoing education to bring her clients the best advice possible for their situation. Amy has a BA in Psychology from UCLA, an MSFP (Master of Science in Financial Planning) and a CFP (Certified Financial Planner), APMA (Accredited Portfolio Manager Advisor) from the College of Financial Planning. She also has a CFS (Certified Fund Specialist)) from the Institute of Business & Finance and a CLTC (Certification in Long Term Care) from the Corporation for Long Term Care.
Family & Interests
When trying to separate herself from the business, Amy enjoys reading, walking, travel and gardening, but mostly just hanging out with her family. Amy has two children, two dogs, and one husband.
Phone: 724.942.2639
dbostich@braun-bostich.com
"Being part of the firm’s persistent dedication to the growth of each client’s financial life from inception to date has been the utmost in personal reward."
Doug has spent more than two decades with Amy and team at Braun-Bostich & Associates.
As part of the firm’s Financial Planning team, Doug is responsible for construction of financial plans, review preparation, and research. When not immersed in building client plans, Doug leverages his technical expertise leading the firm’s technology initiatives from idea to application—all with an eye towards ensuring the highest caliber of service delivery and improving upon the client experience.
Doug is a graduate of California University of PA with a B.S. degree in Finance and currently holds the Series 66 and 7 securities registrations along with a Pennsylvania state insurance license.
Family & Interests
Doug resides in Bentleyville, PA with his wife Erika and Pomeranian, Pippi where he enjoys photography and spending time outdoors running and hiking the trails at Mingo Creek Park.
Phone: 724.942.2639
sconroy@braun-bostich.com
As an essential element of the firm’s aggressive growth plan, Steve joined Braun-Bostich & Associates in 2015 to shape its client care and acquisition strategy. In consort with amplifying its name recognition and public awareness of strengths and capabilities, Steve spends the majority of his time tactically executing on enhancing the firm's expertise in support of business owners and high-net-worth individuals and families.
Market-facing accountabilities and oversight include: pursuing and introducing key market influencer relationships to the firm’s advisory team; business, center of influence (COI) and individual networking relations; website design, content and upkeep; exploitation of email and social media marketing initiatives; maintaining general firm and niche market collaterals and all aspects of public relations.
Prior to his affiliation with Braun-Bostich & Associates, Steve enjoyed over 20 years in executive level sales and marketing roles within the high-tech hardware/software space—followed by more than a decade in real estate development.
Family & Interests
Steve has been a resident of Bethel Park, Pennsylvania for the past 28 years with his spouse Marylou and two grown sons. He enjoys biking in and around the Pittsburgh area as often as possible.
Phone: 724.942.2639 ckirby@braun-bostich.com
"What most of my relationships, both personal and professional, have in common are many years. My best friends are those I went to Kindergarten with years ago. I believe loyalty and trust are foundational components of any relationship. As an Associate at Braun-Bostich & Associates, these qualities are reflected in the relationships we have built and continue to nurture with our clients.”
Cassie’s journey with Amy began while completing her bachelor’s degree in business administration at California University of Pennsylvania in 2001. While learning every facet of the business over the past 18 years, Cassie became a (CFP) Certified Financial Planner® in 2009 and an (EA) Enrolled Agent in 2014.
Cassie believes that financial planning and helping each client define and achieve their goals is truly understanding who they are as individuals and what (and who) is most important to them. It’s forming and maintaining these relationships that she enjoys most about the business.
Family & Interests
Born Cassandra Bioni, she goes by Cassie and was raised in Lawrence, Pennsylvania. Cassie is married with two amazing children and enjoys being in the sunshine, running, trying new restaurants and catching up with family and friends as often as possible.
Phone: 724.942.2639
juyun.lu@braun-bostich.com
Lu is responsible for investment portfolio construction and asset allocation strategies for the firm and its clients. She meticulously reviews and monitors investment strategies, client portfolios and financial markets actively in order to identify potential return opportunities and changing risk profiles. She also researches mutual funds, ETFs and individual securities.
Lu is a graduate of West Virginia University with degrees of Master of Science in Finance and Master of Professional Accountancy. She holds a Chartered Financial Analyst charter (CFA) complimenting her certification as a CERTIFIED FINANCIAL PLANNER™. She has also passed all four sections (Auditing and Attestation, Financial Accounting and Reporting, Regulation and Business Environment and Concepts) of the Uniform Certified Public Accountant Examination (Uniform CPA Exam).
Family & Interests
In her leisure time, Lu enjoys reading, watching movies and traveling. She cares a great deal about people in need and, as such, is a Kindred Hospice volunteer.
Phone: 724.942.2639
tpompei@braun-bostich.com
Tammy entered the financial world in December of 2015 and is in the process of learning all there is to know about the industry. She has obtained her Pennsylvania State Insurance License along with the Series 7 and Series 66 securities registrations. Tammy is currently working toward a Certified Financial Planner (CFP) designation. In the office, she is primarily responsible for the gathering of data from clients and keeping client profiles updated.
In 2010, Tammy received her Bachelor of Arts degree in English and Spanish from Washington & Jefferson College in Washington, PA. After graduation, she enrolled in a Global Cultural Studies program at the University of Lyon, in France that focused on the associations between language, identity, and ethnicity.
Family and Interests
Tammy volunteers as an English tutor through the Greater Pittsburgh Literacy Council. She enjoys traveling, shopping, yoga, and dining out with family and friends. Her cat, Sissy, is the living embodiment of the idiom “curiosity killed the cat”.
Phone: 724.942.2639
lvorko@braun-bostich.com
Lorraine has been with Braun-Bostich & Associates since 2014 and has over 30 years of experience as an administrative assistant—20 plus within the financial industry.
She provides support to the firm through various responsibilities including client correspondence, directing incoming calls, scheduling client appointments, and assisting with special projects. Whether on the phone or greeting clients at the door, you are always met with a warm, pleasant welcome by Lorraine. She personifies exceptional client care and is a vital contributor to the firm’s commitment to delivering consummate client experiences.
Lorraine is a graduate of Bradford Business School with an associate degree in business from Robert Morris University in Pennsylvania.
Family & Interests
Lorraine and her husband Mark are longtime residents of Bethel Park, Pennsylvania. Lorraine enjoys beach vacations and spending time with her two daughters, Amanda & Angela.
Phone: 724.942.2639
dwauthier@braun-bostich.com
Deb’s tenure in effectively servicing the investment needs of financial planning clienteles spans more than two decades—the past five with Amy and team at Braun-Bostich & Associates collaborating in the management of client investment portfolios.
Subsequent to securing her Series 7, 66 and Pennsylvania insurance licenses, Deb acquired her Registered Paraplanner SM or RP® designation from the College for Financial Planning. Individuals holding the RP® designation have completed a comprehensive course of study encompassing the financial planning process, its five disciplines and general financial planning concepts, terminology and product categories.
Within her scope of portfolio management deliverables, Deb invests client-side assets in products ranging from cash to bonds and securities to various insurance products and limited partnerships. Executing trades within these portfolios to the benefit of each Braun-Bostich & Associates client.
Beyond client trading activities, Deb takes great pride in further servicing clients as a liaison between each of them and internal operations. Day-to-day services provided include account set ups, money movement, intercompany transfers, estate settlements,beneficiary designations and monitoring (RMDs) Required Minimum Distributions. She also assists her colleagues in preparation for client meetings.
Family & Interests
A resident of Bridgeville, PA, Deb enjoys spending time with her husband, children and grandchildren along with traveling, yoga, reading, and trying new recipes.
Phone: 724.942.2639
pwright@braun-bostich.com
With over 35 years of experience in client relations and support services, Pam joined the Braun-Bostich & Associates team in 2000. When not engaged as the firm’s client-concierge or organizing events, Pam’s day-to-day responsibilities include: overseeing the business and financial operations of the firm, compliance monitoring, advisor licensing upkeep, marketing and payroll and HR activities.
As a consummate client service steward, she feels that taking service to the next level is one way to shape and solidify long lasting client relationships—an integral facet of what Braun-Bostich & Associates is about.
Family & Interests
Pam has been married for 39 years has three grown children and three grandchildren. She enjoys concerts, plays, walking, being outdoors, spending time with family, and reading (when she gets the time).
With tremendous pride and two decades of community service tradition, our employees work hand in hand making long lasting contributions to better the lives of individuals and their families within our community. The Braun-Bostich commitment to community and passion for service is a mainstay of our firm.
The mission of Greater Washington County Food Bank is to form lasting solutions to hunger insecurity through effective food distribution systems; to educate and empower the needy in seeking positive lifestyle changes; and, to create awareness through individual and community partnerships."
Since 1986, Family Resources has been a leader in the prevention and treatment of child abuse. BBA is proud to participate in their annual "Rock Away Child Abuse" (RACA) campaign bringing awareness to National Child Abuse Prevention Month. Go here for detail on the event and our sponsorship to this great cause.
The Mon Valley Leatherneck Association (MVLA) is located in Donora, PA. It is a group of Marines, both past and present, that meet every 3rd Monday of every month. The Commandant is Howard Weber and they currently have 167 members. They are always looking for new members, especially of the younger crowd to keep the organization going and to help out those who are here. The MVLA participates in USMC funerals, parades, ceremonies and most known for Toys for Tots.
A grassroots giving circle for SW Pennsylvania. “Giving2Grow acts as an intermediary between donors and service providers. We endeavor to achieve our mission by supporting local organizations that already have the skill and knowledge and commitment to address childhood nutrition and food security”.
Annual “Rock Away Child Abuse” event bringing awareness to National Child Abuse Prevention Month - See detail here.
The Million Dollar Round Table Foundation awarded a $5,000 grant to Greater Washington County Food Bank (GWCFB) to provide funding to administer food programs and distribute food to all who qualify within Washington County.
Hard at work with client support at the food bank!
Mingling with clients at one of our many shredding events.
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At Braun-Bostich & Associates, we deliver a range of wealth management solutions to high net worth individuals, families and businesses that aid in developing sound financial plans that best meet your goals and financial life needs.
Tiered Fee Structure
Our investment management fees are deducted quarterly in advance from your account as follows;
INVESTMENT PORTFOLIOS UNDER $500,000 | Annualized |
| First $0—$500,000 | 1.25% |
INVESTMENT PORTFOLIOS OVER $500,000 | Annualized |
| First $0—$1,000,000 | 1.00% |
| Next $1,000,001—$2,500,000 | .85% |
| Next $2,500,001—$5,000,000 | .75% |
| Next $5,000,001—$10,000,000 | .65% |
| Next $10,000,001 + | .40% |
NOTES:
The above fees for portfolios over $500,000 are consecutive. For example, your first $1,000,000 will be at 1.00% then the next $1,000,000 will be at .85% and so on.
In certain situations additional fees may apply for non-managed accounts, insurance products, custodial fees, Federal Express fees etc.
Your effective rate may be lower. We do not charge on cash, buy & hold securities and 529s.
Portfolios in excess of $10,000,000 have Financial Planning included in the fee.
Plan Type and Fee Schedule
Our annual financial planning fees are billed quarterly in advance
SIMPLE | MODERATE | COMPLEX |
One Goal | Two or Three Goals | Three or More Goals |
Simple tax situation | Moderate tax situation | Complex tax situation |
Simple estate situation | Moderate estate situation | Complex estate situation |
Simple asset structure | Moderate asset structure | Complex asset structure |
$1,000—$2,500 | $3,000—$5,000 | $6,000—$10,000 |
Suitable for clients with a net worth under $1,000,000 | Suitable for clients with a net worth over $1,000,000 | Suitable for clients with businesses, trusts, etc. |
NOTES:
Actual fee is determined through our complexity matrix which will be presented and discussed as part of our financial planning consultation process.
Our annual financial planning reviews are designed to track progress towards goals with a focus on net worth growth and cash flow management. During the review, we also assess the following:
Objectives related to risk protection, estate and gift planning for future generations.
Tax mitigation strategies—review the tax impact resulting from changes made and/or strategies recommended.
Advanced retirement income strategies and Social Security claiming strategies.
Exit strategies for business owners.
Health care and company benefit plans.
Employee benefit plans.
During these annual meetings we’ll review the following:
Incorporate investment strategy.
Portfolio alignment with risk tolerance.
Portfolio drift and review of the investment policy statement.
Gain/loss harvesting for tax advantages.
Review any changes in your current situation as it relates to impactful life events or changes in goals.
Review risk adjusted performance, the economy and any legislative and/or tax changes.
2018 Capital Gains Tax Table
2018 Federal Income Tax Table
2018 Medicare Costs - Part B and Part D
Our team of professionals is available for speaking engagements, media interviews, public relations and more. Various members of the team are experienced in discussing a multitude of topics including:
Contact Steve Conroy, Director of Business Development, at 724.299.1720 or sconroy@braun-bostich.com
Amy Braun-Bostich | ||
Cassandra Kirby |
PR - 1 | 12-20-2017 |
Our wealth management process and range of solutions are designed to be all-inclusive and are typically intended for clients with a minimum of $1,000,000 in personal and/or business assets to work with.
Conversely, in situations where a probable client has entered a phase of rapid wealth accumulation, our solutions may also prove to be appropriate. An example may be an entrepreneurial business owner rapidly accelerating in annual revenues as a result of precise execution of business plan strategy.
In either situation, we welcome the opportunity to engage in a complimentary consultation to explore the potential of working together. If we are not a good fit for you, we would be pleased to refer you to an advisory practice that may be more appropriate.
Phone: 724.942.2639
Fax: 724.746.1782
Welcome@Braun-Bostich.com
(General Inquiries)
Address:
1600 Ashwood Drive, Suite 1601 Canonsburg PA 15317
Office Hours:
Monday - Thursday 8:30am - 5:00pm
Friday 8:30am - 2:00pm
Additional Meeting Times Available By Appointment Only
